I think you found the solution. DO IT ANYWAY AND IGNORE OBAMA.
Same thing with Obamacare. Don’t buy it.
I with you. If I get thrown into the 0bamacare exchange I will not buy it. I will pay the fine. Rather than pay about $4,000 per year for a $6,000 deductible insurance plan (not to mention the narrow choices of doctors) I will set some money aside to pay cash to doctors (even if I have to go to Mexico). If the doctors tells me I need surgery I will buy a platinum plan. They cannot turn me down for pre-existing conditions. After I recover from the surgery I will stop paying the premiums. Pass it on. We don’t have to participate.